Apple Pay vs Google Pay Vs Samsung Pay

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It does not matter whether it is our lifestyle or payment method, everything is getting a new as well as advanced shape with the help of technology. People are making payments online and therefore, online bill payment has become a new trend. Now, if we talk about the payment methods, in the 21st century, we know it very well that there are various payment terminals such as credit card machines, debit card machines, point terminal, pay at table terminal many more. All these virtual terminals support mobile payments which actually has made our payment process much easier than before.

At present, there are mainly three established mobile payment systems are available- Apple Pay, Google Pay and Samsung Pay. Here, we have made a side by side comparison of these three so that you get to know which one will be ideal for you. So, go through the following points:

Characteristics Of Samsung Pay

Samsung Pay has the following characteristics:

  • Compatible Devices: Samsung Pay compatible devices are Samsung Galaxy Phones, Gear Watch, Gear Watch S2, and S3 as well.
  • Availability: It is available in more than 24 countries.
  • Authentication: PIN, Fingerprint and Iris scanner
  • Where You Can Use: Samsung pay works with a magnetic stripe, NFC, in-app purchases, and EMV terminals.
Characteristics of Apple Pay
  • Compatible Devices: Apple Pay compatible devices are Apple iPhones, Apple Watch, MacBook Pro, iPads that come with 5th generation technology.
  • Availability: Apple Pay is available in more than 41 countries.
  • Authentication: Fingerprint and Face ID
  • Where You Can Use: Apple Pay works with NFC terminals, web purchases in Safari and in-app purchases.
Characteristics of Google Pay
  • Compatible Devices: Android devices that come with NFC and HCE are considered as Google Pay compatible devices. The Android version must be Android 4.4 or higher.
  • Availability: Google Pay is available in more than 29 countries.
  • Authentication: PIN, Pattern, Password, and Fingerprint.
  • Where You Can Use: Google Pay supports NFC terminals, web as well as in-app purchases.

All these three mobile payment methods support debit, credit, gift and loyalty cards. After linking your cards to these wallets, you can start using these mobile payment methods. Among these, Samsung Pay supports payment terminals that have a magnetic card reader. After completing any transaction with Samsung Pay, a pop up regarding transaction will appear on your device’s screen.

Technology and Availability

Google Pay and Apple Pay support NFC that refers to near-field communication. It allows you to make contactless payments. You just need to tap your phone on the payment terminal in order to make a successful transaction.

Samsung Pay has an additional feature. Along with the NFC, it has magnetic secure transmission or MST. In order to use MST, you just need to hold your Samsung device against any payment terminal. After that, a signal will be emitted from your device and that signal will stimulate the magnetic strip on the card. Well, it means that you don’t have to worry if the merchant does not have upgraded point of sale systems or other payment terminals. You can still make payments with the help of Samsung Pay. Well, the only exception for MST is a gas station.

Well, ‘tap and go’ has become the new trend and you will be happy to know that these three mobile wallets allow you to make ‘tap and go’ transaction on public transit systems.


When it comes to online bill payment, security has become a matter of concern. Well, we understand this and this is why we have highlighted this point here related to online bill payment.

Mobile payment systems use the tokenization method in order to keep the card details safe and secure. After adding the card to the app, the system generates a virtual account number and therefore, your real account number is never shared with the merchant. When you tap your device on the payment terminal, it basically sends a tokenized card number and along with it, sends a cryptogram that works like a password. After that, the network verifies the details and proceeds the payment.

Apple Pay requires Face ID or PIN or Touch ID, Samsung Pay requires a PIN or Iris Scanner or fingerprint and Google Pay needs a password or fingerprint or PIN to confirm purchases. If you lose your devices, you can remotely wipe all the card details.

Peer-to-peer Payments

Google Pay and Apple Pay are the only two wallets that allow peer-to-peer payments and on the other side, Samsung Pay currently does not have this feature.

Ultimately, we can say that everything has its own advantages as well as disadvantages. If we talk about the flexibility, Google Pay wins and if you look for MST, Samsung Pay wins. On the other side, Apple Pay has its own technology that provides enhanced security.

So, this is the side by side comparison of these mobile wallets and if you are a businessman and looking for virtual payment terminals that support all these mobile wallets, we will recommend you to visit International Payment Solutions for the best experience.

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